Credit card -- Problem with a purchase shown on your statement -- Complaint #11003584
Complaint Overview
Complaint ID: 11003584
Company: Goldman Sachs Bank USA
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Texas
ZIP Code: 77407
Date Received: 2024-12-02T12:00:00-05:00
Date Sent to Company: 2024-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
So I took a XXXX from apple in XX/XX/XXXX and my monthly installment is {$91.00} and i have XXXX of XXXX and balance is XXXX. Also, i make sure i pay off my full credit card every month and the balance is XXXX. I never ever carry over my debt to the following month. Now on XX/XX/XXXX i paid off my whole statement which is {$790.00} that is including the {$91.00}. Now the next day which is XX/XX/XXXX, my Apple card is saying i made a minimum payment and i need to balance {$600.00}. I haven't made a single purchase in XXXX with my card. my balance should be XXXX. I have called Apple, chatted with them and they keep insisting that even though i made a payment of {$790.00} i still need to balance {$600.00} that my balance from the previous month was {$1300.00} Now, this figure is wrong. I pay off everything i spend every month to avoid interest charges, i pay off my monthly loan for the XXXX. I don't know where that figure is coming from. Moreover, on further evaluation, i realized that i only spent {$400.00} in XX/XX/XXXX ( based on calculation of all my transactions ) and i paid $ XXXX the end of the month. The statements that was sent to my email ( a single statement ) is different from what i receive from Apple every month. I am insisting that i pay off my full card monthly, i don't carry over the balance and i don't know why it's not reflecting and i am been overcharged also because i didn't spend upto {$790.00} in XX/XX/XXXX. I am requesting someone from apple to audit my account and recalculate it because this is fraud and the customer service people are not helping at all. I need someone to calculate my transactions because its not adding up at all. Infact the supervisor that spoke with me on the phone knew i pay it off everymonth and its still showing a balance. The attached statement does not reflect an accurate description of my account. Please help me look into this. Thank you.
Frequently Asked Questions
What is Complaint #11003584 about?
Complaint #11003584 was filed against Goldman Sachs Bank USA regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-12-02T12:00:00-05:00.
How did Goldman Sachs Bank USA respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Goldman Sachs Bank USA?
Yes, visit the Goldman Sachs Bank USA company profile at readthecomplaint.com/company/goldman-sachs-bank-usa to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.